Our tailored insurance solutions are designed to meet the unique needs of your assisted living center facility, ensuring comprehensive protection.
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Policy Features:
At SAX, our independence enables us to partner with multiple A-rated, California-admitted carriers to deliver coverage that fits your facility perfectly, ensuring peace of mind for you and those in your care.
At SAX Insurance Agency, we understand that assisted living centers, skilled nursing facilities, and continuing care retirement communities are more than just buildings; they’re homes where compassionate care is provided to residents. Our tailored insurance solutions are designed to meet the unique needs of these facilities, offering comprehensive protection for your operations, staff, and residents. As an independent agency, we partner with multiple A-rated, California-admitted carriers to deliver coverage that fits your facility like a glove, ensuring peace of mind for you and those in your care.
Our insurance programs are crafted to serve a wide range of long-term care facilities, including:
Our Primary Professional Liability coverage protects your facility, staff, and medical professionals against claims arising from alleged errors or omissions in the delivery of care. This coverage is critical for safeguarding your organization from lawsuits related to medical malpractice or negligence, ensuring financial protection and reputation management.
We offer both Primary and Excess Coverage options to provide robust protection tailored to your facility’s risk profile. Primary coverage addresses immediate liabilities, while excess coverage offers additional limits to protect against high-value claims, ensuring comprehensive security for your operations.
Our Primary General Liability coverage shields your facility from third-party claims related to bodily injury, property damage, or personal injury within your premises. From slip-and-fall accidents in common areas to incidents in resident rooms or dining halls, this coverage protects your financial stability and reputation.
Litigation can be costly, even when claims are unfounded. Our Defense Cost Options cover legal expenses associated with defending your facility against professional or general liability claims. You also have the flexibility to choose counsel that aligns with your needs, ensuring trusted and competent legal representation.
Your staff is the heart of your assisted living center. Our Workers’ Compensation coverage protects employees who are injured or become ill while performing their duties, covering medical expenses, lost wages, and rehabilitation costs. This coverage supports your workforce and ensures compliance with California labor regulations.
At SAX, we go beyond insurance to help you prevent losses. Our Complementary Risk Management Services include:
Staff Training Support: Guidance on best practices for resident care and safety.
Risk Assessments: Evaluations to identify and mitigate potential hazards in your facility.
Compliance Support: Assistance with regulatory requirements to maintain licensing and accreditation. These services help reduce risks, enhance safety, and improve operational efficiency.
We provide Value-Added Support to enhance your facility’s operations, including:
Claims Advocacy: Dedicated support to navigate the claims process efficiently.
Policy Reviews: Regular assessments to ensure your coverage aligns with your evolving needs.
Resident Safety Resources: Tools and recommendations to promote a safe and welcoming environment. Our goal is to support your facility’s mission of providing exceptional care.
Every assisted living center is unique, and SAX offers a range of customizable coverage options to meet your specific needs, including:
Property Coverage: Protection for buildings, equipment, and furnishings against perils like fire or vandalism.
Business Interruption: Coverage for lost income and extra expenses during disruptions to operations.
Cyber Liability: Protection against data breaches or cyberattacks affecting resident or operational records.
Fidelity/Crime Coverage: Safeguards against theft or fraud by employees or vendors handling funds.
Abuse and Molestation Coverage: Protection against claims related to alleged abuse or neglect.
Auto Liability: Coverage for owned, hired, or non-owned vehicles used for facility operations. Our insurance experts work closely with you to assess your facility’s risks and recommend tailored solutions for comprehensive protection.
We partner exclusively with A-rated, California-admitted carriers, ensuring compliance with state regulations and reliable claims handling. These financially stable insurers provide dependable backing, giving you confidence in the strength and reliability of your coverage.
We recognize the role of property management companies, vendors, or other stakeholders in your operations. Our policies allow these entities to be named as additional insured, ensuring they are covered under the same comprehensive protection as your facility, streamlining risk management.
Assisted living centers, skilled nursing facilities, and CCRCs have unique risks and operational needs. At SAX, we specialize in crafting insurance packages that address these complexities, from resident care liabilities to property management, ensuring comprehensive protection.
With extensive experience insuring long-term care facilities across California, SAX understands the challenges of managing skilled nursing, assisted living, and independent living operations. Our expertise ensures your coverage aligns with industry standards and regulatory requirements.
In the event of a claim, our dedicated team guides you through every step, working with top-tier carriers to ensure a fast and fair resolution. We aim to minimize disruptions so your facility can focus on providing exceptional care.
Whether your facility is a single 20-bed assisted living center or a multi-location CCRC, our insurance solutions are flexible and scalable. We adapt coverage to accommodate growth, new services, or changes in your facility’s operations.
Protect your assisted living center, skilled nursing facility, or continuing care retirement community with the tailored, comprehensive insurance solutions from SAX Insurance Agency. Contact us today to request a personalized quote or schedule a consultation with one of our experienced insurance advisors. Let us help you safeguard your facility, staff, and residents.
Disclaimer: Coverage availability and terms may vary based on the specific needs of your condominium association and the policies offered by our partner carriers. Please contact us here or on social media for a detailed review of coverage options and exclusions.
